Hi Got the following response to the letter before action from a&l "Thank you for your letter in response to my previous correspondence regarding the status of you request for a refund of charges While I appreciate your comments, our poistion remains unchanged in that we are unable to process your request until the outcome of the test case is known Alliance & Leciester, in line with other financial service providers, have asked the Finacial Services Authority (fsa) to suspend the normal timetable for dealing with complaints in relation to charges for unauthorised overdrafts. The fsa have agreed to this request Although we don not know how long the case will take, I can assure you that once the legal proceedings are completed we will resolve your complaint as quickly as possible.If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Finanical Ombudsman Service or to the courts You can find more information on the test case throught the following Financial Services Authority The Office of Fair Trading: making markets work well for consumers Financial Ombudsman Service Once again i can only apoligise for the inconvenience that this has caused and i can assure you that once the test case has come to a conclusion we will advise you of the outcome" Ok so despite requesting terms and conditions of my account in letter before action they have not done so Just got letter above I take it the next step is to file through courts? with particulars of claim N1 form?

Hi Thank you for your reply I would like to charge them interest did you include your interest figure on your prelimery letter, letter before action or after letter before action letter sent I am also claiming back bank charges and the templates say you should only include interest after letter before action is sent as i have done/doing with bank charges I assumed same for credit card charges Please advise Kind Regards kurd70

Got my credit card statements today currently doing up Premilery letter Regarding the bank charges the amount involved is over a grand, sent off letter before action very recently Thanks Jan

all charges relate to overlimit and late fees they are all for either 20,25 and 12 pounds I take it i can claim back all these amounts? thanks

got a response from a&l acknowledging receipt of complaint. they say they are fair and refer to the current legal proceeding with the OFT I will be sending of my letter before action tomorrow As stated previously the charges i am claiming back most are for 25 pound each paid item charges and monthly overdraft charges also 25 failed direct debit charge 29.5 most of them 34 and then the monthly overdraft charges of 5 Thanks

i see on the credit card statement MBNA Europe Limited Stansfield House Chester Business Park Wrexham Road Chester ch4 9qq I take that the best place

Hi Sending of my credit SAR tomorrow to MBNA Please let me know the address the rest of you have have sent your claim to MBNA Thanks

Hi for one reason or another I am only sending off my preilim approach for repayment tomorrow I have finally gone through all the charges most are for 25 pound each paid item charges and monthly overdraft charges also 25 failed direct debit charge 29.5 most of them 34 and then the monthly overdraft charges of 5 My question is did the rest of you reclaim the 5 pounds monthly overdraft charges these used to be 25 but then became 5 pound each Please advise

Will be sending request in the next few days for charges to be reimbursed Surprised at the amount charged in fees. all fees were 25 pound each and above except 11 which were 5 pound each These eleven, I will not be claiming back as I believe these were relating to an agreed overdraft and dont think they will reimburse these

I got the bank statement today,they arrived on thursday Currently going through them at the moment to see how much they charged They did not however send me the credit cards statements I requested! Can someone let me know what the best way to go about getting the statements I requested for the credit cards should I remind the A&L or go to MBNA instead? Kind Regards kurd70

Hi Will be sending off my Data Protection Act request tomorrow to Alliance & Leicester plc Customer Contact Centre Bootle Merseyside GIR 0AA For details of charges for both banking and credit card charges from A&L Looking forward to getting these charges reimbursed

Hi I will be claiming charges for both a credit card and bank account with alliance and leicester from northern ireland Just a quick question can I request the list of charges for both the credit card and bank account on the same Data Protection Act REQUEST Kind Regards Kurd70

Hi I will be reclaiming charges from the alliance and leicester for bank account and credit card charges I will be seding a Data Protection Act, Subject Access Request letter to them but just wanted to know should I send it to ALLIANCE & LEICESTER PLC CARLTON PARK NARBOROUGH LEICESTER LE19 0AL or Customer Contact Centre Bootle Merseyside GIR 0AA Kind Regards Kieran